PackageTrendsPeer
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Settlers

Bruce Crossing, MI · Charter 24793

NCUA · 2 branches

Q2 2026

$37.8MAssets
$20.1MLoans
$30.2MShares
$7.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.24%, up 5 bps year over year; NIM at 4.76%.
  • Asset quality: problem loans at 0.79% of loans (-54 bps YoY).
  • Capital: net worth / assets of 19.68%, up 111 bps from a year ago.
  • Funding: loans stand at 66.44% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.24%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.76%-19 bps YoY

Efficiency Ratio (quarter, annualized)

65.70%+393 bps YoY

Net Worth / Assets

19.68%+111 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.19%2.26%2.12%3.55%2.24%+5 bps
Return on Equity11.80%12.09%10.89%18.22%11.36%-44 bps
Net Interest Margin4.95%4.87%4.92%4.77%4.76%-19 bps
Efficiency Ratio61.76%60.05%60.95%65.22%65.70%+393 bps
Growth
Asset Growth (YoY)1.70%1.35%2.47%5.83%5.67%+397 bps
Loan Growth (YoY)2.99%4.11%6.24%7.08%11.35%+836 bps
Share Growth (YoY)-0.07%-0.87%0.38%4.53%4.17%+423 bps
Asset Quality
Delinquent Loans / Loans1.32%0.85%0.41%0.59%0.79%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.57%18.69%19.47%19.50%19.68%+111 bps
Net Worth / Assets18.57%18.69%19.47%19.50%19.68%+111 bps
Liquidity & Funding
Loans / Shares62.15%62.28%65.46%63.54%66.44%+428 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps